Cleo: Budget & Cash Advance

Featured App of the Day - Apple App Store
Top 9 Budget Apps of 2022 - Marie Claire
Best Money Apps of 2022 - Metro

Glide your way to payday with Cleo—the money app that’s got your back. Trusted by 5+ million users, Cleo can help you save, budget, build credit, or get a cash advance when you hit those “I need money now moments.”

Unlike most finance apps, Cleo can turn your complicated money life into a simple chat. Want to know what you can spend on takeout? Any bills due? Just ask.

And when you’re in need of some tough love, you can also get roasted for wasting money.

Savings Tracker

If your savings look like they could use a bit of saving, Cleo’s got you. After setting up your Cleo account, you just pick a save hack— like autosaving or round ups, and let this savings app do her thing.

Budget planner

Tried to YNAB your life, but found it complicated? Cleo’s one of the best budget apps because it’s simple. After syncing to you bank account in read-only mode, Cleo‘s AI analyzes your bills and transactions, then suggests a budget you can actually follow.

GET UP TO A $100 CASH ADVANCE (1)

There’s a lot of shady payday loans and apps you can borrow money from out there. Cleo isn’t one of them. For example, most places that offer a payday advance or loans for bad credit charge insane interest rates and high fees.

But with Cleo:

- No interest (APR), no credit checks, no late payment fee, no origination fee or processing fees (inc. late payment).
- No mandatory minimum or maximum repayment time frame.
- Are there extra costs with your advance cash? No! Example for a $100 advance: Cleo sends it to you and you pay it back on the day you set with no interest. So all you would owe is $100. Not bad.

Use it to help with bills, avoid overdraft fees, or whatever you need it for.

If you’ve got bad credit you’re totally welcome here too since there’s no credit checks.

The eligibility process is familiar too. If you’ve ever used an earning app or borrowed money from apps like Dave, you’ll feel right at home.

Learn more [here](http://web.meetcleo.com/borrow).

Build credit and stay debt-free (2)

Cleo Builder is our credit building subscription, designed to help anybody, especially beginners, build their credit history and avoid debt. It also comes with some perks to help you with your financial health:

- Cashback* on everyday spends
- Up to $120* cash advance
- Credit score coaching and more

New money hacks and side hustle ideas each week

You didn’t think Cleo was also one of those money making apps, did ya? So we’re not an earning money app per se, but each week we publish ideas in-app and on our [blog](https://web.meetcleo.com/blog) about things like side hustles, ways to save money and more.

Legal stuff:

(1) Cleo Plus is our subscription service, which offers eligible users
cashback on your money, information on your credit score, and access to
cash advances ("Cash Advance"). Advance amounts will vary based on
eligibility. To learn more about eligibility, repayment, and overall
terms, please visit: meetcleo.com/terms

(2) Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.

"Cash/Salary Advance" and "Cashback Rewards" are features of the Cleo Builder Subscription and not the Credit Builder Card. The "Card Cash Advance" is a feature unique to the Credit Builder Card and allows you to advance cash at an ATM. The Cash Card Advance is subject to a $2.50 fee per transaction plus any fee that may be charged by the ATM or Bank. This feature is only available to holders of the Credit Builder Card.

Learn more about how we share your data here: https://web.meetcleo.com/page/privacy-policy

Cleo uses bank-level SSL encryption to protect your data and your deposits.
All savings held in FDIC-insured accounts with protection up to $250,000